Can someone help me, i might fail my math if i don’t get this right

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Astudent draws two parabolas on graph paper. both parabolas cross the x-axis at (-4, 0) and (6,0). the y-intercept of thefirst parabola is (0, –12). the y-intercept of the second parabola is (0-24). what is the positive difference between the avalues for the two functions that describe the parabolas? write your answer as a decimal rounded to the nearest tenth.

Twelve less than a number is at most 20